Cheapest Car Insurance In Wichita, KS 2024
Nationwide stands out as the most affordable car insurance provider in Wichita, with an average rate of $26 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Wichita, KS, prices can vary widely.
For the lowest liability-only coverage, Nationwide stands out as the best choice. Those needing more comprehensive protection will also find that Nationwide offers the best rates for full coverage policies. However, for young drivers, Dairyland provides the most affordable rates.
Cheapest Car Insurance Companies In Wichita, KS 2024
Cheapest Auto Insurance Rates In Wichita For Teenagers: SafeAuto
Teen drivers in Wichita can find the most affordable rates with SafeAuto, which offers average monthly premiums of $117.
| Provider | Average Monthly Cost | Average Annual Cost |
| SafeAuto | $117 | $1,404 |
| American Family | $196 | $2,352 |
| USAA | $157 | $1,884 |
| Dairyland Auto 1 Month | $206 | $2,472 |
| State Farm | $173 | $2,076 |
Teen drivers typically pay the highest car insurance premiums, mainly due to their lack of driving experience. Insurers view these young drivers as high-risk because they are statistically more likely to be involved in accidents and commit traffic violations.
Cheapest Minimum Coverage Car Insurance In Wichita: Nationwide
Nationwide offers the most affordable car insurance for minimum coverage in Wichita, with an average monthly rate of $26.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $26 | $312 |
| GEICO | $36 | $432 |
| State Farm | $32 | $384 |
| Iowa Farm Bureau | $39 | $468 |
| Auto-Owners Insurance Co | $35 | $420 |
In Kansas, the minimum car insurance requirements are 25/50/25. This means your policy must include at least:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $25,000 for property damage per accident
Having this minimum coverage gives you some protection on the road, but it doesn’t cover collision or comprehensive incidents. So, any damage to your own vehicle from accidents, theft, or natural disasters won’t be covered under this policy.
Cheapest Car Insurance In Wichita For Young Adults: Dairyland Auto 1 Month
Dairyland Auto 1 Month provides the most affordable car insurance for young adults in Wichita, with rates averaging around $68 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Dairyland Auto 1 Month | $68 | $816 |
| American Family | $195 | $2,340 |
| USAA | $127 | $1,524 |
| Auto-Owners Insurance Co | $198 | $2,376 |
| State Farm | $156 | $1,872 |
In Kansas, young adult drivers usually enjoy lower car insurance rates compared to teenagers. This difference is due to the development of safer driving habits and a decrease in risky behaviors as drivers mature.
Young adults statistically file fewer claims with insurance companies, indicating a lower likelihood of accidents. As a result, insurers lower premiums for this demographic, acknowledging their improved safety records and reduced chance of claims.
Cheapest Full Coverage Car Insurance In Wichita: Nationwide
Nationwide offers the most affordable full coverage car insurance in Wichita, with average rates of $60 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $60 | $720 |
| Auto-Owners Insurance Co | $82 | $984 |
| American Family | $777 | $924 |
| GEICO | $83 | $996 |
| State Farm | $80 | $960 |
Full coverage car insurance offers extensive protection that surpasses the basic legal requirements. This type of insurance generally combines comprehensive and collision coverages. Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage covers the cost of repairing your vehicle after an accident, regardless of who is at fault.
Cheapest Car Insurance In Wichita For Seniors: National Farmers Union P&C
National Farmers Union P&C offers the most affordable car insurance rates for seniors in Wichita, with an average cost of $78 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| National Farmers Union P&C | $78 | $936 |
| Allied | $105 | $1,260 |
| USAA | $81 | $972 |
| Nationwide | $118 | $1,416 |
| State Farm | $101 | $1,212 |
In Kansas, many seniors can benefit from favorable car insurance rates due to various positive factors. While age is generally considered when determining insurance premiums, and older drivers are often thought to have diminished driving skills, this assumption doesn’t apply to everyone.
Cheapest Car Insurance Companies In Wichita For Drivers With Prior Incidents
In Wichita, individuals with a history of traffic violations, such as accidents, speeding, or DUIs, may encounter challenges in securing affordable car insurance. These infractions lead insurance companies to categorize them as high-risk drivers, anticipating a higher likelihood of future insurance claims.
As a result, insurance providers increase their rates for these individuals to offset the potential risk of facing higher claim payouts.
Cheapest Car Insurance In Wichita After A Speeding Ticket: Nationwide
Nationwide stands out as one of the most affordable options for car insurance, with an average monthly rate of $67.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $67 | $804 |
| GEICO | $97 | $1,164 |
| State Farm | $86 | $1,032 |
| Iowa Farm Bureau | $104 | $1,248 |
| American Family | $95 | $1,140 |
Cheapest Car Insurance In Wichita After At-Fault Accident: American Family
American Family provides the most budget-friendly car insurance quotes for drivers with an at-fault incident, averaging around $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $65 | $780 |
| Nationwide | $95 | $1,140 |
| State Farm | $93 | $1,116 |
| Travelers | $130 | $1,560 |
| Auto-Owners Insurance Co | $94 | $1,128 |
Cheapest Car Insurance In Wichita For Drivers After A DUI: State Farm
State Farm stands out as the most affordable option for drivers after a DUI, providing average monthly premiums of $87 for drivers in Wichita.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $87 | $1,044 |
| Nationwide | $115 | $1,380 |
| American Family | $95 | $1,140 |
| Allstate | $1,620 | $1,620 |
| Progressive | $118 | $1,416 |
Best Car Insurance Companies In Wichita
When selecting car insurance in Wichita, KS, finding a balance between cost and dependable coverage is crucial. Below, you’ll find the top 10 car insurance companies in Wichita, ranked by their average monthly rates.
| Company | Monthly Premium |
| Travelers | $176 |
| USAA | $87 |
| Auto-Owners Insurance Co | $154 |
| Farm Bureau Mutual (IA Group) | $167 |
| Dairyland Auto 1 Month | $106 |
| SafeAuto | $147 |
| State Farm | $122 |
| Nationwide | $150 |
| American Family | $153 |
| Allied | $145 |
Average Cost Of Car Insurance In Wichita – By Age
| Age | Average Yearly Rate |
| Teenagers | $2,724 |
| 20s | $2,076 |
| 30s | $1,344 |
| 40s | $1,224 |
| 50s | $1,236 |
| 60s | $1,224 |
| 70s | $1,152 |
Age plays a pivotal role in shaping car insurance costs. Typically, younger drivers, especially teenagers and young adults, encounter higher premiums owing to their lack of experience and higher probability of accidents and traffic offenses. As individuals hit 25, with a clean driving history, rates usually begin to decline. The most favorable rates are often enjoyed by drivers in their 50s and early 60s. Insurers assess age to gauge driving experience and risk, thus impacting premium costs.
Average Cost Of Car Insurance In Wichita – By Vehicle
| Vehicle | Average Monthly Rate |
| 2000 Chevrolet Impala | $67 |
| 2019 Volkswagen Tiguan | $105 |
| 2018 Ford F150 | $58 |
| 2017 Chevrolet Trax | $115 |
| 2008 Chevrolet Equinox | $72 |
The vehicle you drive significantly impacts your car insurance expenses. Insurance companies consider factors like the make, model, year, and body type of the car. Generally, newer vehicles, particularly luxury models with advanced features and higher replacement costs, often result in higher insurance rates. Conversely, older or less expensive-to-repair cars may have lower premiums. Insurers evaluate these factors as they directly affect potential claim costs; for example, repairing a high-end vehicle typically costs more than a standard one. Additionally, cars known for safety features may qualify for reduced insurance rates due to lower accident and injury risks.
Average Cost Of Auto Insurance In Wichita – By Zip Code
| City | Average Monthly Rate |
| 67204 | $123 |
| 67206 | $150 |
| 67208 | $145 |
| 67203 | $108 |
| 67207 | $159 |
How Much Is Car Insurance In Other Cities in Kansas?
| City | Average Monthly Rate |
| Kansas City | $152 |
| Hutchinson | $114 |
| Overland Park | $130 |
| Lawrence | $119 |
| Olathe | $113 |
| Leawood | $112 |
| Manhattan | $125 |
| Lenexa | $131 |
| Mission | $112 |
| Liberal | $170 |
Where you live greatly affects your car insurance rates. Insurance providers consider several factors tied to your location, such as accident likelihood, vehicle theft rates, and vandalism. Urban areas usually have higher risks, leading to increased premiums.
Our Methodology
Using a detailed analysis that covers customer service ratings, available products, pricing, and thorough assessments from online review platforms and user feedback, I've compiled a comprehensive overview of car insurance providers in Wichita, Kansas.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Wichita?
Nationwide provides the most budget-friendly car insurance rates in Wichita, Kansas, for both the state-required minimum coverage and comprehensive coverage, encompassing comprehensive and collision protection.
What is the average cost of car insurance in Wichita?
The typical monthly cost of car insurance in Wichita hovers around $137. However, actual rates may fluctuate depending on factors like zip code, vehicle year and model, driving history, and more.
